Auto accidents are something you don’t expect, but you might feel anxious if it ever occurs. Laws can be a little confusing for a layperson, but Boise Idaho auto accident lawyer can help you understand those laws and strengthen your case. In this blog, you will get to know about the different accident laws.
No-Fault Insurance Law
Idaho does not fall under no-fault insurance law. In other states, you claim your compensation from your insurance agency no matter who was at fault, but in Idaho, you have to claim the due amount from the at-fault driver’s insurer.
Penalties for uninsured drivers
You need to carry your insurance proof while driving your vehicle. If the cops stop you and you fail to show proof of insurance, you get a 30 days period for showing the evidence of insurance. Till that time, your registration will remain suspended, and if you fail to prove that you are insured, you have to face a penalty of $75 for the first time and higher for any subsequent infraction.
Liability Coverage
Liability coverage is also a must in Idaho. It covers the lost wages, injuries, and property damage caused by you to another driver in situations when you are at fault.
State-mandated car insurance limits
Insurance limit is the minimum limit of coverage you must have to drive your vehicle legally. There are three categories of coverage limits- bodily injury coverage per accident, bodily injury coverage per person, and property damage per accident. You might have seen 25/50/15 written. What does that mean? These are split limits. Its breakdown is given below-
- $25,000 bodily injury coverage per person – The maximum amount your insurance company will pay for an individual you would have injured.
- $50,000 bodily injury coverage per accident– It is the limit for the money that your insurer will pay for all the injuries in an accident in which you were at fault.
- $15,000 property damage per accident– The max amount that your insurance company will pay for the property damage you caused in an accident.
These limits are almost similar to that of other states, but these are the minimum limits and not sufficient in all cases.
Conclusion
By now, you must have got a brief overview of the laws associated with the car accident. Though you can get compensation for the car accident on your own, an expert’s advice is always preferable.
